Centennial Bank

Senior Credit Analyst/Underwriter

Centennial Bank

full-time

Posted on:

Location Type: Remote

Location: Florida • United States

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Job Level

Senior

About the role

  • Perform financial based analysis and underwriting of credits which is used by the bank to assess risk and monitor existing credits to entities or individuals.
  • Generate financial spreads, or oversee and review spreads prepared by Analyst I or II within the bank lending operating system (nCino) using financial statements to find and review trends.
  • Create spreadsheets designed to quantify borrower's personal, global, and real estate cash flows/project analysis on an accurate and timely basis.
  • Create credit memos and annual reviews, as defined in current department procedures.
  • Attend loan committee meetings when directed by management.
  • Provide guidance and assistance in mentoring Analyst I & II as directed by Regional Manager.
  • Engage Analyst I or II to assist in tasks related to analysis of the credits or relationships and provide oversight of work product to ensure work product is accurate and delivered within necessary time frame to complete overall analysis.
  • Act as back up the Regional Manager or other CA leader in the review of work product performed by other Analyst's on the team.
  • Complete required BSA/AML training and other compliance training as assigned.
  • Perform any other related duties as required or assigned.

Requirements

  • Equivalent to a four year college degree, plus 7 years related experience and/or training, and 4 years related management experience, or equivalent combination of education and experience.
  • Ability to write reports, business correspondence, and policy/procedure manuals; ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Ability to read, analyze, and understand common scientific and technical journals, financial reports, and legal documents; ability to respond to complex or difficult inquiries or complaints from customers, regulatory agencies, or members of the business community.
  • Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane, algebra, solid geometry and trigonometry.
  • Ability to define problems, collect data, establish facts, and draw valid conclusions.
  • Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
Benefits
  • Not indicated. 📊 Check your resume score for this job Improve your chances of getting an interview by checking your resume score before you apply. Check Resume Score
Applicant Tracking System Keywords

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Hard Skills & Tools
financial analysisunderwritingcredit analysisfinancial modelingdata analysisspreadsheet creationBSA/AML compliancerisk assessmentproject analysisreport writing
Soft Skills
mentoringcommunicationproblem-solvingpresentation skillsanalytical thinkingattention to detailteam collaborationtime managementcustomer serviceleadership